Can anyone help shed some light on this mystery? I purchased a bag on eBay, and have paid using a wire transfer (after some discussion with the seller). I am in NZ and the seller is in US. I sent USD 539.99 and was charged a transaction fee by my bank. The seller received USD 517.49 and was charged a transaction fee by her bank. Both our banks insisted they did not take any further charges!!! We have no idea where the USD 22.50 went. Granted, it's not a huge issue, and the seller has not demanded the missing USD 22.50. But it is very annoying that one of our banks has pocketed the money and refused to own up. As it is a round-ish number (I paid in NZ dollars, so if it was my bank, I would assume the amount would be in some odd number due to the conversion rate), I think it must have happened at her bank (East West Bank). If you can shed some light on this, it will be very much appreciated.